PFS Valuation

Provident Financial Services Inc

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18.605

-0.155(-0.826%)1D

Overview
Forecast
Valuation
Earnings

PFS Relative Valuation

PFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PFS is overvalued; if below, it's undervalued.

Historical Valuation

Provident Financial Services Inc (PFS) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.36 is considered Undervalued compared with the five-year average of 9.97. The fair price of Provident Financial Services Inc (PFS) is between 27.33 to 34.14 according to relative valuation methord. Compared to the current price of 18.61 USD , Provident Financial Services Inc is Undervalued By 31.93%.

Relative Value

Fair Zone

27.33-34.14

Current Price：18.61

31.93%

Undervalued

8.36

Trailing

Forward

0.00

EV/EBITDA

Provident Financial Services Inc. (PFS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Provident Financial Services Inc. (PFS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.78

Provident Financial Services Inc. (PFS) has a current PS of 2.78. The 5-year average PS is 2.79. The thresholds are as follows: Strongly Undervalued below 1.12, Undervalued between 1.12 and 1.95, Fairly Valued between 3.62 and 1.95, Overvalued between 3.62 and 4.45, and Strongly Overvalued above 4.45. The current Forward PS of 2.78 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Provident Financial Services Inc. (PFS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Provident Financial Services Inc. (PFS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Provident Financial Services Inc (PFS) has a current Price-to-Book (P/B) ratio of 0.91. Compared to its 3-year average P/B ratio of 0.86 , the current P/B ratio is approximately 5.45% higher. Relative to its 5-year average P/B ratio of 0.91, the current P/B ratio is about -0.70% higher. Provident Financial Services Inc (PFS) has a Forward Free Cash Flow (FCF) yield of approximately 22.99%. Compared to its 3-year average FCF yield of 12.39%, the current FCF yield is approximately 85.57% lower. Relative to its 5-year average FCF yield of 10.49% , the current FCF yield is about 119.23% lower.

0.91

P/B

Median3y

0.86

Median5y

0.91

22.99

FCF Yield

Median3y

12.39

Median5y

10.49

Competitors Valuation Multiple

The average P/S ratio for PFS's competitors is 4.76, providing a benchmark for relative valuation. Provident Financial Services Inc Corp (PFS) exhibits a P/S ratio of 2.78, which is -41.60% above the industry average. Given its robust revenue growth of 31.30%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PFS.N

Provident Financial Services Inc

Northwest Bancshares Inc

Columbia Financial Inc

Triumph Financial Inc

Performance Decomposition

Market capitalization of PFS increased by 0.77% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 1.64 to 10.62.

The secondary factor is the Revenue Growth, contributed 31.30%to the performance.

Overall, the performance of PFS in the past 1 year is driven by P/E Change. Which is more unsustainable.

31.30%

154.38M → 202.71M

Revenue Growth

-577.28%

-7.44 → 35.51

Margin Expansion

546.75%

1.64 → 10.62

P/E Change

0.77%